Our Mission

As a top national mortgage lender, PennyMac is committed to providing its customers with a range of innovative solutions to help them purchase, refinance or simply remain in their homes. Whether they’re new to the home loan process or experienced buyers specifically seeking a competitive conventional, FHA or VA loan, PennyMac is dedicated to offering competitive rates and superior service.

Being a direct mortgage lender means PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products. The company’s licensed loan officers are trained to help customers through the process every step of the way.

Since its founding in 2008, PennyMac has sought to restore Americans’ trust in home ownership by improving the quality and consistency of the mortgage lending experience.

The company offers multiple options to help prospective customers buy, refinance or simply stay in their homes. PennyMac has participated in the Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP), federal programs created in 2009 to help customers in need of financial assistance remain in their homes. PennyMac also buys loans from banks and other lenders, using its expertise to help customers restructure their mortgages so they can stay in their homes. As a major loan servicer, the company also supports more than 1,000,000 PennyMac home loan customers.

Accreditations and Certifications

Our Company


At PennyMac, we are committed to doing the right thing for our customers, colleagues, business partners, shareholders and the communities we serve. We strive to be Accountable, Reliable and Ethical in everything we do.

We A.R.E. PennyMac.

Doing the right thing in an Accountable way means we continuously seek to drive performance excellence through innovation, risk management and active measurement.

Being Reliable means we work together and commit ourselves fully to exceed customer expectations by operating with urgency and demonstrating our technical expertise.

Doing business in an Ethical way means we behave with honesty, fairness and integrity to build the utmost trust among each other and everyone our business serves.

Are you interested in joining the PennyMac team? Visit our careers page to find out more.

Investor Relations

PennyMac Financial Services Is a Leading Mortgage Specialist

  • Operating subsidiaries founded in 2008; publicly traded (NYSE: PFSI) since 2013
  • Specialized mortgage platform with more than 2,900 employees
  • Track record of successful growth in business volumes and profitability
  • Commitment to strong corporate governance and compliance culture
  • Investment partnership with PennyMac Mortgage Investment Trust (NYSE: PMT)

Visit Investor Relations to find out more.

Commercial Real Estate Finance

Small balance with confidence.

PennyMac Commercial Real Estate Finance (PCREF) is a direct, non-bank lender specializing in small balance multifamily and commercial loans nationwide.

PCREF is proud to blend the financial strength and leadership you can count on with the flexibility and streamlined process you deserve.

Visit PCREF to find out more.

Correspondent Lending

The PennyMac Correspondent Group (PCG) specializes in the acquisition of newly originated U.S. residential mortgage loans from small banks and independent originators. Loans are acquired from a complete cross-section of the US mortgage market, reflective of a product offering that includes conforming, FHA, VA, USDA, and Jumbo loan products.

Working with the PennyMac Correspondent Group means receiving a best-in-class client experience. Our goal is to give you outstanding customer service, delivered in an accountable and reliable way, with the highest levels of ethical conduct. At PennyMac, we build value through an efficient and consistent purchase process along with an unparalleled servicing experience, not by cross-selling ancillary products.

Visit GoPennyMac to find out more.

Affinity Programs

The PennyMac Home Loan Affinity Program

A Unique Money-Saving Discount for Your Employees or Association Members

When you participate in our Home Loan Affinity Program, you can offer your employees or members a way to save on their home loan every single month — an opportunity that could be worth thousands of dollars over the life of the loan.

PennyMac offers a wide range of fixed rate, adjustable rate, VA, FHA and Jumbo loans, so borrowers can choose the one that’s right for them. And, first-time home buyers can take advantage of programs that require as little as 3% down.

With everything you need to encourage employee and member participation, our program is designed to be quick and easy for you to implement.

Visit PennyMac Affinity to find out more.




  • Founded in 2008 with 72 employees.



  • August 9, 2009 PennyMac Mortgage Investment Trust IPO’s on the NYSE (PMT).



  • Reached 1,000 employees in 2012.
  • Became the largest non-bank correspondent aggregator in 2012.



  • May 14, 2013 PennyMac IPO’s on the NYSE (PFSI).
  • Became the ninth-largest mortgage originator in 2013.



  • PennyMac becomes third-largest correspondent aggregator in September, 2014.



  • Became the fifth-largest mortgage originator in the first half of 2016 and the second-largest non-bank originator.
  • Modified its 17,500th loan in August 2016.
  • Opened its 10th sales office in 2016 in Plano Texas.
  • Became the 2nd largest correspondent aggregator overall in 2016.
  • Became the 11th largest mortgage servicer in 2016 with over $171 billion under management.



  • Reached it's 1,000,000th customer in January 2017.
  • Reached 3,100 employees in January 2017.